Olga, FL
Olga wildfire risk explained
Out of every US place USFS scores, Olga lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,218 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olga's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Olga's buildings actually sit
USFS classifies 54.8% of Olga's buildings as Direct exposure, higher than its 45% Indirect share and far above its 0.3% Minimal share — a profile where 667 structures sit close enough to vegetation that lot clearing matters most.
How Olga compares
There's little gap between Olga's 91st national percentile and its 84th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Olga ranks 2,829 for wildfire risk (1 is highest) and 10,543 by building count (1 is largest). Within Florida alone, it ranks 158 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Olga
Olga's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Olga's 54.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Olga's figures come from
Every one of the two percentiles behind Olga's 2,829-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Olga's dominant direct exposure actually means, with real examples from across the dataset.